Public Bank Quantum MasterCard

Have no annual fees for life and get more spending benefits out of your credit card such as 5% cashback, 0% EPP and VIP Points!

Public Bank Quantum MasterCardGet RM180 Lazada Voucher
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
RM180 Lazada e-voucher
worth RM180
when you apply through RinggitPlus3

RM180 Lazada e-voucher


Don't forget to flash your Quantum MasterCard when the waiter issues the bill to you as you can get 5% cashback on dining. And this cashback applies to online transactions too!

Cashback categoryCashback rateMonthly capSpend
Online Shopping5%RM30any amount
Dining5%RM30any amount


Pay more and earn more as every Ringgit you spent with the Quantum MasterCard, you are actually rewarding yourself a 1 VIP Point.

VIP Points
1 point on every RM1local retail transactions
2 points on every RM1overseas retail transactions


Get a complimentary Public Bank Quantum Visa credit card when you sign up for this credit card - because two is better than one!

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from low one-time upfront interest starting from 0%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 5.5% one-time upfront handling feefrom RM3,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6,000
Learn more about Public Bank Balance Transfer

Easy Payment Plans

Exclusive for Quantum MasterCard cardholders, you are entitled to a flexi-payment offer that will give you 0% interest for 12 months. You only need to spend a minimum of RM1,200.

Public Bank Flexipay Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months1% one-time upfront handling feeRM1,000
9 months2% one-time upfront handling feeRM2,000
12 months3% one-time upfront handling feeRM1,000
24 months5.5% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about Public Bank Flexipay Plan

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM - supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Public Bank Flexipay Plan
Tired of window shopping all the time? You can shop for anything at anywhere with instalment rate as low as 1% with this Public Bank Flexipay Plan.
Balance Transfer Plans
Public Bank Balance Transfer
Fancy paying 1% interest over flexible repayment terms for a Balance Transfer? Transfer your outstanding credit card debts to Public Bank Balance Transfer.


Shopping and dining are two most celebrated activities in life. You can do both while taking advantage of cashback and rewards with Public Bank Quantum MasterCard credit card.

No Annual Fee

You must be thinking that there is a catch, right? But no! There is absolutely no hidden motive behind it. Both principal and supplementary cardmembers can equally enjoy a free-for-a-lifetime card usage without any conditions.

Say bye-bye to credit cards which charge you steep annual fee and turn to Public Bank Quantum MasterCard to get more for your money.

Double Quantum Cards

More good news for those wishing to sign up for Public Bank Quantum MasterCard today as you will get a complimentary Public Bank Quantum Visa credit card upon approval. Isn't two is better than one?

Dining and Online Shopping Cashback

Do you know that you can enjoy significant savings on your spending through cash rebate, which is like a sort of a refund in small percentage credited back into your credit card. All you need to do is spend, spend and spend!

If Dining and Online Shopping are your two biggest forte (which make up 90% of your spending habit), then Public Bank Quantum MasterCard is the right choice for these indulgences. For every Ringgit spent on these categories, you earn 5% cashback, capped at RM30 per month.

VIP Points

Cashback alone is not enough to deem a credit card's uniqueness. That's why Quantum MasterCard steps up its game with cashback and reward points features so that you can reap the benefits of this plastic card.

It's easy to collect VIP Points: For every Ringgit spent on local retail transaction, you earn 1 VIP Point, whereas 2 VIP Points will be rewarded for RM1 spent overseas. Put simply, RM3,000-worth of spending gets you 3,000 VIP Points.

0% Flexipay for 12 months

Free up your monthly expenses with a flexible instalment plan that charges you zero interest on your conversion amount. Exclusively for Public Bank Quantum MasterCard credit cardholders, you get to enjoy a 0% one-time upfront interest for a 12-month flexi payment plan.

Just make a minimum transaction of RM1,200, then call Customer Service at +603 21768000 (or write to [email protected] 3 days after the purchase or 5 days before settlement date) to convert the amount to Public Bank Flexipay Plan.

24/7 Help Desk

If your credit card is stolen, tampered with or broken, there is a dedicated, round-the-clock Help Desk who is ready to assist you for any credit card-related emergencies. Just dial +603 21768333.